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Disclosures

ATM/Debit Card

Today, you can begin enjoying all the special conveniences that your new White House Federal Credit Union ATM/Debit Card offers. Start using your ATM/Debit Card immediately instead of checks or cash at more than ten million VISA merchant locations worldwide. Your new card speeds up purchases at stores, gas stations, grocers, and restaurants wherever VISA cards are accepted, close to home or far away.

IT'S CONVENIENT

Use your ATM/Debit Card to make purchases without the hassle of writing a check or using your cash on hand. With your Credit Union ATM/Debit Card, you can carry less cash to help you feel safer and more in control. It also comes in handy at places that don't accept checks.

IT'S FAST AND EASY

Simply present your card at the time of purchase and the amount will be deducted from your checking account. You'll receive a receipt for easy record keeping and each transaction will be detailed on your monthly account statement. Don't forget to record the transaction in your check register for easy reconciling.

IT'S STILL YOUR ATM CARD

Once you receive your Personal Identification Number (PIN), which will be sent to you shortly, you'll be able to use your card at thousands of ATMs, including HONOR, STAR, CIRRUS, CO-OP Network and Credit Union 24/CU HERE ATMs, as well as more than 215,000 VISA Network ATMs worldwide.

In addition, you'll have the security and peace of mind because your card will not work at any ATM location without your secret PIN. To keep your PIN a secret and prevent misuse, please store your PIN and card separately and never write your PIN on your card. There is never a reason for anyone to ask for your number.

If we can be of further service to you, please call our member service representative at 202-456-2900 or call 1-888-804-9428 Monday through Friday from 9:00 AM to 4:00 PM. Please retain this letter, which contains your ATM/Debit Card disclosure terms on the reverse.

Personal Identification Number

If you want to change your ATM/Debit Card PIN to a number that's easy for you to remember, simply bring your card into our office. It's easy and we'll show you how.

WHFCU ATM/Debit Card Disclosure Agreement

This Agreement covers your ATM/Debit Card with The White House Federal Credit Union. In this Agreement, the words "you" and "your" mean each and all of those who signs an account card and receives a Membership & Account Agreement & Electronic Services Disclosures. "Card" means the WHFCU ATM/Debit Card and any duplicates and renewals we issue. Everyone who receives, signs or uses a card issued under this Agreement must be a member of this Credit Union. "Account" means your WHFCU ATM/Debit Card account with us. "We", "us" and "ours" means The White House Federal Credit Union.

1. USE
   You may use your account to buy goods and services any place your ATM/Debit Card is honored. You may also use your card to get cash advance from an Automated Teller Machine (ATM) or, if you have share overdraft protection, an overdraft advance. You may use your ATM/Debit Card for all purposes and subject to all disclosures detailed in the WHFCU Electronic Services brochure. ATM/Debit Card transactions will be deducted first from your checking account. If you do not have funds in the checking account to cover the transaction amount, we will then access sufficient funds, if available, either from your share account or in your overdraft line of credit.
2. RESPONSIBILITY
   If we issue you a card, you agree to repay all debts and Finance Charges, if any, arising from the use of the card. If the ATM/Debit Card is issued to you and others on a joint application, each person receiving this Agreement shall be jointly and severally liable. If you allow anyone else to use your ATM/Debit Card, you will be liable for all credit extended to such person.
   
   You promise to pay us all amounts borrowed under this Agreement, plus any Finance Charge of other amounts due. You agree to pay us according to the terms and conditions disclosed in the Credit Agreement and Truth-in-Lending Disclosure applicable to your overdraft line of credit agreement.
3. COLLECTION COSTS
   If we are forced to take collection action, you agree to pay all court costs and collection fees, including our reasonable attorney's fees and costs.
4. CHANGES IN AGREEMENT
   By your signature on your ATM/Debit Card or the signature of any authorized user, you agree that we may change, according to law, the terms of this Agreement. These changes may or may not affect your Credit Account. We will mail notice of such change to you at the current address you have given to the Credit Union. You agree to notify the Credit Union of any changes in your address.
5. CANCELING THIS AGREEMENT
   You agree that we may terminate this Agreement if you break any of your promises or you are in default under this Agreement. We may also terminate this Agreement if we cancel our ATM/Debit Card program. You may end this Agreement by returning the ATM/Debit Card to us and paying the outstanding balance of your account in full. If you or we terminate this Agreement, it will not affect your obligation to pay your outstanding balance.
6. LIABILITY LIMITS
   When your WHFCU ATM/Debit Card is used to buy goods and services, you are not responsible for fraudulent transactions of others if you notify us within two days that the card was lost or stolen. After two days, liability will be limited to $50.00.
   
   When using your ATM/Debit Card for cash withdrawals from an ATM, the EFT Disclosure controls the terms of liability. Refer to Electronic Services Disclosure for Liability for Unauthorized Transfers, Lost/Stolen Card or PIN.
7. QUESTIONS AND BILLING ERRORS
   Please let us know right away if you have any questions about your statement. Refer to the billing error statement included in your monthly statements or in the Electronic Services Disclosures. This tells you your right to dispute billing errors.
8. OWNERSHIP OF CARD
   This ATM/Debit Card(s) is the property of The White House Federal Credit Union. You agree to return the card to the Credit Union upon its request or upon the request of anyone (including merchants) authorized by the Credit Union to request return of the card.
9. ACKNOWLEDGMENT
   You acknowledge receipt of a copy of this Agreement by signing the Agreement governing the disclosure or by your use of any card accompanied by this Agreement.